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When I had a checking account with TD Bank its was a simple and very featureless account. The customer service was very good, and when I had to travel internationally it was very easy to access my account when told them I was traveling. However, compared to other banks the checking account may as well have been a shoe box under my bed. Absolutely no interest or innovative features to be found. Otherwise, the customer service more than made up for such no thrills banking. It was also very easy to replace a lost or stolen card. You just walk right in and they print it up for you, my only complaint about the card was that it was flat with no raised numbers.
I really liked my time with TD Bank. It was definitely an easy bank to get along with. The customer service was great, and at the time I really liked that you could get your card printed right in their office. I did like the hours though. That was probably the best part of the experience, they were always open past seven, which was amazing. However, when I had a problem it was so hard to get any resolution. They have this phrase called kicking it up to the next highest person which means it takes forever to get a simple consistent answer to anything over the phone.
Chase bank has been very good to me, but I definitely don't know if I would be with them if I had a choice. I had some credit issues and I needed to open a new account for a job. I was very glad that Chase took a chance on me, but their service sucks. They charge a fee for every account I have with them and there are no perks for the most basic accounts. It is like those banks you see on the commercial where they are those super corporate giants and you feel like the tiny tiny little guy. It is like that, I don't feel like a valued customer and just another number.
After Super Storm Sandy, many of my neighbors had issues with their roofs. A couple even had several roof tiles come off and make holes in the ceilings. We had some siding come off near the roof and with State Farm, we were the first home on the block to have our repairs done and paid for. Even all these months later there are still homes with roof damage and the owners are fighting with the issuance companies. While the service from State Farm can be very expensive, the results are there. Every time our basement has flooded or we have storm damage they have been there for us and every time we think of switching to a cheaper option we just have to look outside and see the holes in our neighbors houses to know that we are very lucky and aren't going anywhere.
My father was a member of the Mid-State Federal Credit Union and as a direct family member I was allowed access to some banking features. I ended up getting my student loan from them but I probably would have been better off getting it from a normal bank. The service is excellent and the staff is great but the application for the loan wasn't user friendly and at the time I had no other experience with banks. The length of my loan isn't a plus in this economy. Now that I'm not making as much as I used to their higher payments are killer as the loan is only 7 years.
The American Airlines Federal Credit Union is one of the better credit unions out there. It is fantastic that they have branches at all the major hubs. When you have such a hectic schedule it adds a bit or normality to your day. Not every office is up to snuff, but I think of the several that I have visited the one in New York is probably one of the better ones. There are literally tons of benefits, for example, the cash machines from certain banks are free. I had a car loan through them and I got the absolute best rates.
I was able to join Geico because of a discount from my union. Of all the major insurance companies I find that I like Geico the best. I used to have State Farm but it felt like every time I looked at my car the rates went up. I really like the customer service at Geico. I also liked that I wasn't penalized for accidents that weren't my fault or for any non-point based tickets. For the most part it is a good insurance company, but if you have a less than spotless record it might be best to go with a more local option.
The Virginia Educators Credit Union is the assigned credit union for educators in the state. It's average at best. There is nothing really worthwhile about them other than a few perks from the union. I really think they need more locations. The staff is pretty friendly but I wouldn't expect anything else. They have really easy applications and they have good loan terms. You can occasionally skip a payment and it will be added to your loan. However, other than that it's not really any better than a normal bank. If you want a system with no thrills and no real rewards, then they are ok.
I have been with CEFCU for about a year now. I joined this credit union when I became a local teacher. Overall, compared to the major banks in the area I enjoy it. They have partnerships with many local businesses and I have even gotten less expensive insurance through the union. The hours aren't necessarily the best. However the interest on the savings account makes it worth it in my opinion. Because it is such a small credit union they are very responsive and receptive to the needs of the community. I enjoy the tellers’ friendliness and the credit union itself overall.
I've had State Farm Insurance for my car for almost 10 years now. Overall, I think it's a good insurance company; however, from time to time there are problems. In my area there are two agencies within a mile of my house. Some of the problems I have run into are requesting paperwork, and not getting it in a timely fashion. I know I can just go to the office, but I usually don't have time for the trip. I've also felt that the offices themselves are very run down. It's not very reassuring that the agents are good at their job when the office looks so bad.
The service here is good. A major problem is that the automated service is down a lot. There has only ever been one branch to my knowledge, so it is not at all convenient. The hours are not at all flexible. They are only open from 10 am until 3 or 4 pm. Also they are not open on Saturdays or Sundays. There is no direct atm service and the only atm's you can use are through TD bank which charges you a transaction fee. However, I have had good experience applying for a personal loan through the credit union. Overall, it's a decent credit union however it needs to be modernized and more customer friendly.